No merchant account required
Ostervo turns your own bank account or mobile wallet into a payment gateway that any website or app can call. Your customers pay you directly. Nobody sits between you and your money, and nobody takes a slice of every sale.
Free to start · No approval from a processor · Works with any stack
If you sell online outside North America and Western Europe, the default checkout options assume a registered company, a card-issuing bank relationship, and weeks of underwriting. Meanwhile your actual customers want to send money the way they already do — from a wallet app, or straight bank to bank.
So most sellers fall back to posting an account number in a chat and asking for a screenshot. It works, but it lives outside your system: no order status, no reconciliation, no audit trail, and no way to tell a real receipt from a recycled one.
Customer messages you for your account number
Checkout page shows the right account automatically
Screenshot arrives on WhatsApp at midnight
Receipt lands in a review queue, tied to the order
You mark the order paid by hand, if you remember
One click approves it and your store is notified instantly
Same screenshot used twice and you never notice
Duplicate receipts and reused reference IDs are flagged
Your system creates a checkout session and redirects the buyer. The next thing it hears is a signed webhook telling it the money arrived.
POST the amount and your order reference. You get back a hosted checkout URL.
They pick an account, copy the details or scan a QR, and transfer from their own app.
Screenshot or PDF, plus the transaction reference — captured against the right order.
Check your statement, click approve. A signed webhook fires to your store within seconds.
curl -X POST https://your-ostervo-host/api/v1/sessions \
-H "Authorization: Bearer sk_live_…" \
-H "Idempotency-Key: order-1042" \
-d '{ "amount": 450000, "reference": "ORDER-1042" }'
# → { "checkout_url": "https://…/pay/ost_cs_live_9fA3…",
# "status": "REQUIRES_METHOD" }Mobile wallets, instant bank rails, plain IBAN transfers, or crypto. Add as many as you like and let the buyer pick.
Manual payments invite a specific set of problems. These are handled for you rather than left as an exercise.
Uploads live outside the web root and are only served through an authorised, audited request — never from a guessable URL.
Every file is fingerprinted. Reusing an image or a transaction reference from another order is flagged before you approve.
File type is determined from the actual bytes, not the name. PDFs download rather than render, so nothing executes in your browser.
HMAC-SHA256 over a timestamped payload, with a replay window. Nobody can forge a "payment approved" call to your store.
Idempotency keys on every create call, plus a unique constraint on your order reference. A network timeout cannot produce two payments.
Approvals, rejections, key reveals, and account changes are written to an append-only audit log with actor and IP.
You are not routing money through a processor, so there is nothing to skim. Plans differ by capacity, not by taking a cut of your sales.
Free
For individuals and side projects taking their first online payments.
Rs 2,500.00/mo
For growing stores that need more receiving accounts and custom branding.
Rs 7,500.00/mo
Unlimited volume, unlimited receiving accounts, and priority support.
Worth being clear before you build on it.
Sign up, add the account you already use, and create a test session in the next five minutes. No processor approval standing in the way.